Bank · FDIC insured
Reading Cooperative Bank CD Rates
Top CarrotReading Cooperative Bank’s best CD rate is 4.20% APY on a 2-year CD. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Reading Cooperative Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Reading Cooperative Bank has the most branches. $10,000, best rate first.
This bank’s best
Reading Cooperative Bank
4.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $858
Certificates of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Reading Cooperative Bank CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Reading Cooperative Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.20%APY · 9 terms
Early withdrawal penalty may be imposed. APY compounds daily on a 365/365 day basis.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 8 monthsThis is a fixed-rate 8-Month Certificate of Deposit, and the interest rate and APY will remain in effect until maturity. Interest is credited monthly and is not compounded. The APY assumes that interest remains on deposit until maturity. Withdrawal of interest before maturity will reduce earnings. A penalty may be imposed for early withdrawal. The 8-Month CD Special is available for consumer deposits only and is not available for IRA accounts. The maximum online opening deposit is $500,000.00. At maturity, the account will automatically renew into the Bank's standard 9-Month Certificate of Deposit at the rate and APY in effect at the time of renewal. You will have 10 calendar days after maturity to withdraw funds without penalty. Fees may reduce earnings | 3.50% | $232 |
| 9 months9-Month CD excludes IRAs and can only be opened as a CD product. Maximum deposit of $500,000.00 when opened online. Each renewal term will be our standard six-month term beginning on the maturity date | 4.00% | $299 |
| 12 months | 4.15% | $415 |
| 15 months | 4.15% | $521 |
| 24 months24-month CD Special | 4.20% | $858 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- readingcoop.com/personal-banking/personal-savings · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.20%APY · 7 terms
Early withdrawal penalty may be imposed. APY compounds daily on a 365/365 day basis. All IRAs have an annual fee which may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.15% | $415 |
| 15 months | 4.15% | $521 |
| 24 months24-month CD Special | 4.20% | $858 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- readingcoop.com/personal-banking/personal-savings · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.